I was really disappointed, as many years previously my xbox account was hacked and the fraudsters subsequently got hold of my credit card details. Microsoft at that time were amazing. They refunded the card instantly, wrote to my card issuer, even reinstated my account and left all the "fraudulent" purchases on there! Got a ton of free games as a result! (What's even more baffling is that the credit card company had made a mistake on my card and gave me a £20,000 limit instead of £2000. Bet the fraudsters thought it was Christmas and Birthday all at once!) They didn't max it out though, caught it just in time.It is that once you step forward there is no going back part that annoyed me as much as anything, as you say, subscription services are the new Golden Goose and even better for the supplier in that there is no physical product to manage and ship. Hearing that Microsoft were no help comes as no surprise at all, in fact I would have been more surprised had they helped.
This subs model absolutely sucks balls though. Such a monopoly.